Ubani Ubheka Umshwalense Wokukhubazeka?
Njengomqashi, ungakhetha ukukhokha ukukhubazeka kwesikhashana kanye nokuvalwa kokukhubazeka kwesikhathi eside , ukubeka umthwalo wokukhokhela ukukhubazeka kwisisebenzi noma ukwabelana ngezindleko zokubheka.
Abaqashi abengeziwe bakhetha ukwabelana ngezindleko zokuqashwa noma abasebenzi banakho ukukhokha izindleko zemshwalense yokukhubazeka ngenxa yalokho, ngokwengxenye, emithethweni yamuva ye-IRS eyenza kube lula ukwenza kanjalo.
Uma wena, njengomqashi, ukhetha ukukhokha i-premium, abasebenzi bakho abakhokhiswa intela ye-premium ngaphansi kwe-IRS Code Section 106. Ngaphansi kwe-IRS Code Section 125, uma ukhetha ukushintsha izindleko kubasebenzi, bakhokhela i-premium isisekelo sentela ngaphambi kokukhokhelwa kwemali. Kanti, abasebenzi bazokwazi ukuqoqa intela yokukhubazeka uma bekwazi ukukhubazeka.
Yikuphi Okukhethile Okulungile Kwenkampani Yakho?
Akukho ukukhetha okulungile kunoma yimuphi inkampani. Ezinye izinkampani zizohlinzeka kokubili uhlelo lokukhubazeka olukhokhelwa umqashi kanye nohlelo lokukhubazeka olukhokhelwa abasebenzi. Lokhu kuvame ukubhekwa njengokukhethwa kwentela. Ezinye izinkampani azinikezi abasebenzi ithuba lokuzikhethela futhi ziqede ukukhetha uhlelo abalindele ukuthi luzofanelana kahle nabasebenzi babo.
Ukuzikhethela kungokwakho.
Abaqashi abakhetha ukukhokha ama-premium basiza abasebenzi ukuba bagweme izindleko zokukhokhelwa kwezimali eziyimali yokukhubazeka, kodwa uma ngabe kukhona umsebenzi ophumayo ekukhubazekeni, banesibopho sentela kunoma yiliphi inani elitholayo. Lapho abasebenzi bakhokhela izindleko zemiklamo yabo yokukhubazeka ngokusebenzisa ukukhishwa kwemali, izinzuzo zokukhubazeka ezitholayo azikhokhiswa intela uma kamuva ukhutshaziwe.
Ukwengeza, noma yikuphi umqashi othanda ukunikeza abasebenzi ithuba lokwenza imali yentela ngemuva kokuthola intela futhi bathole izinzuzo zabo zokukhubazeka ezingeni lentela kudingeka bachibiyele uhlelo lwabo lokudla lokuhlinzekwa kweSigaba 125 futhi bazise abasebenzi.
Ngesikhathi abasebenzi abaningi bekhetha ukuthi umqashi wabo akhokhe izindleko ze-premium; lokho kungase kungabi njalo uma bephuma ekukhubazekeni. Izindleko ze-premium ziyingcosana kodwa uma uqhathanisa lokho ezindleko zezintela ezikweletini lokukhubazeka, yizindleko ezizokhokhwa ngenjabulo, njengoba kuboniswa yisibonelo ngezansi.
Isibonelo
Ucabanga ukuthi isisebenzi senza u-$ 50,000 ngonyaka, sisebhankini yentela engu-30% futhi sikhokhelwa ukukhubazeka okuzokhokha imali engama-60% wemali ngokukhubazeka nge-premium elingana namasenti angu-28 kuwo wonke ama-dollar angu-100 wemali engenayo.
Inzuzo Yokuqala Yokukhubazeka: $ 50,000
Imali yentela: $ 15,000 (Federal, State, FICA - 30%)
I-Net Take Home Pay: $ 35,000 ngonyaka (70%)
Okukhokhelwa ngumqashi
- Inzuzo Yokukhubazeka (60%) $ 30,000 ngonyaka
Izintela: $ 9,000
Inzuzo Enhle uma i-Taxed: i-$ 21,000 (60% yangaphambili yokukhokha ekhaya)
Ukukhokhelwa kwabasebenzi
- Inzuzo Yokukhubazeka (60%) $ 30,000 ngonyaka Emva kweNtela
I-Premium ku-$ 50,000: $ 140 ngonyaka ($ 50,000 x 0.28 / $ 100)
Inzuzo Yenzuzo Uma Ungayitholakali: $ 21,000 (60% yangaphambili yokukhokha ekhaya)
Kulesi sibonelo, ungabona ukugcinwa komuntu ophumayo ekukhubazekeni okuyoba nayo uma bekhokha izindleko zabo ze-premium nazo zonke izintela kuso.
Yiqiniso, kulabo abangaqhubeki ukukhubazeka, bebezokhipha imali engu- $ 140 ngaphezulu konyaka kulolu hlobo oluthile, uma behamba ngokukhubazeka. Yingakho izinkampani eziningi zinika abasebenzi ithuba lokuzikhethela ukuthi bangathanda ukukhokha kanjani ama-premium.